What happens if your insurance is cancelled due to nonpayment?

"I missed two months of insurance payments. Will they send me to collections? Can I call to try and pay part of it?"

Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“If your
car insurance
company cancelled your insurance due to non payment, they normally wouldn’t send your account to collections. This is because if you don’t pay your insurance, you simply aren’t insured.
While you did enter into a contract with your insurance company, you are paying on a month to month basis. Since you missed two months, you weren’t insured for those months. They can’t send you to collections for something you didn’t use.
If you’d like to stay with your insurance company or reinstate your policy, you will most likely need to pay the prior balance before they’ll start another policy. This may include additional fees for nonpayment as well. You can always reach out to them directly to confirm what you owe.”
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.

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